Explanation
By default, Snowflake allows users to connect to the service from any computer or device IP address. A security administrator (or higher) can create a network policy to allow or deny access to a single IP address or a list of addresses. Network policies currently support only Internet Protocol version 4 (i.e. IPv4) addresses.
An administrator with sufficient permissions can create any number of network policies.
https://docs.snowflake.com/en/user-guide/network-policies.html#:~:text=A%20security%20administrator%20(or

Explanation
https://docs.snowflake.com/en/user-guide/intro-summary-loading.html#:~:text=For%20delimited%20files%20(C For delimited files (CSV, TSV, etc.), the default character set is UTF-8. To use any other characters sets, you must explicitly specify the encoding to use for loading. For the list of supported character sets, see Supported Character Sets for Delimited Files (in this topic).

Explanation
Snowflake credits are used to pay for the consumption of resources on Snowflake. A Snowflake credit is a unit of measure, and it is consumed only when a customer is using resources, such as when a virtual warehouse is running, the cloud services layer is performing work, or serverless features are used.
https://docs.snowflake.com/en/user-guide/what-are-credits.html